Last Updated: 07/28/2025
USAA Rewards™ Visa Signature® Credit Card
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Last Updated: 07/28/2025
SuperMoney User Recommendation Score +14
Mostly recommended14 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Annual Fee
$0
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Number of Reviews
USAA Rewards™ Visa Signature® Credit Card Review
This is a rewards card issued by USAA Federal Savings Bank. If you're wondering whether USAA Rewards™ Visa Signature® Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- APRs: USAA Rewards™ Visa Signature® Credit Card has a variable regular purchase APR that ranges from 14.90% up to 30.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. USAA Rewards™ Visa Signature® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of USAA Rewards™ Visa Signature® Credit Card
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USAA Rewards™ Visa Signature® Credit Card FAQ
Does USAA Rewards™ Visa Signature® Credit Card have a cash back or rewards program?
USAA Rewards™ Visa Signature® Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Rewards™ Visa Signature® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does USAA Rewards™ Visa Signature® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the USAA Rewards™ Visa Signature® Credit Card benefits?
USAA Rewards™ Visa Signature® Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Rewards™ Visa Signature® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 14.90% up to 30.90%. The card has a variable balance transfer APR that ranges from 14.90% up to 30.90%. It also has a variable cash advance APR that ranges from 14.90% up to 30.90%.
Does USAA Rewards™ Visa Signature® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Rewards™ Visa Signature® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Rewards™ Visa Signature® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does USAA Rewards™ Visa Signature® Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Rewards™ Visa Signature® Credit Card?
The customer service number for USAA Rewards™ Visa Signature® Credit Card is (800) 531-8722.
What is the support contact email for USAA Rewards™ Visa Signature® Credit Card?
The support contact email for USAA Rewards™ Visa Signature® Credit Card is info@usaa.com.
What is the login page for USAA Rewards™ Visa Signature® Credit Card?
You can access the login page of USAA Rewards™ Visa Signature® Credit Card here.
How do people rate the customer service and user experience of USAA Rewards™ Visa Signature® Credit Card?
Overall, USAA Rewards™ Visa Signature® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.
Does USAA Rewards™ Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, USAA Rewards™ Visa Signature® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Rewards™ Visa Signature® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Rewards™ Visa Signature® Credit Card
- Visit the website of USAA Rewards™ Visa Signature® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
USAA Rewards™ Visa Signature® Credit Card Disclosure: Earn 2X points per dollar spent on gas and dining Earn one point for every dollar spent on all purchases Get 2,500 bonus points with your first purchase
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